■ BookBalance Flow — Coming Q4 2026

The 990 that
writes itself.

Every gift, every expense, every payroll run entered once -- tagged to its fund, program, and functional category -- flowing automatically to every report and every 990 line. No spreadsheets. No year-end reconstruction. No surprises at filing time.

Flow launches Q4 2026 — Book990 is available today.

Flow — Transaction Entry
Account7030 — Program Staff Salaries
FundHHS Workforce Grant
ProgramJob Training
ProjectSummer Intensive 2026
Amount$4,200.00
Functional Allocation
80% Program 15% Mgmt 5% Fundraising
990 Impact: Part IX Line 7 + Part X Line 28 auto-updated
Why existing tools fail nonprofits

Your books don’t know
what a nonprofit is.

QuickBooks, Xero, and every other bookkeeping tool was built for for-profit businesses. Nonprofits use them with workarounds -- fake classes for restricted funds, manual journal entries for grant compliance, spreadsheets for the financials their auditors need. Every handoff is where errors happen and time is wasted.

🔒

Restricted funds get commingled

General tools have no concept of donor restrictions. Fund tracking is bolted on as an afterthought, not built into the transaction layer.

📊

990 prep is a separate annual project

At year end your CPA manually maps accounts to 990 lines -- every year, for every client. Then the extension gets filed in May anyway.

💸

Batch deposits are a nightmare

A $10,000 Stripe deposit contains four gifts with four different donors, funds, and restrictions. QuickBooks sees one line.

📝

Grant reports are built from scratch

Every grantor wants a fund report. Every report is a custom spreadsheet built from exported data. Hours every time.

⚠️

Restricted funds get overspent

Without real-time fund balance visibility, nonprofits overspend restricted grants and have to repay thousands.

🗓

Functional expenses are estimated at year end

Part IX allocation is a spreadsheet exercise based on estimates. Auditors and watchdog groups scrutinize it every year.

How Flow works

From blank books to
filed 990 in one workflow.

Every module is connected. Every transaction feeds every report. The 990 is always current.

1
Set Up Your COA
Uniform Nonprofit COA pre-mapped to 990 lines. Sub-accounts roll up automatically. Set default functional allocations per account.
2
Enter Transactions
Every revenue and expense tagged to fund, program, project, and functional category. Defaults pre-fill. Batch deposits split into individual gifts.
3
Run Reports Any Time
Statement of Activities, fund reports, grantor reports, and board dashboards generated instantly. Always current, never a scramble.
4
990 Populates Itself
Every 990 line auto-populates from your books. Compliance check runs continuously. At year end, filing is a review -- not a project.
Three dimensions on every transaction

Every dollar knows
exactly where it belongs.

Funds, programs, and projects are three separate dimensions -- not the same thing. Forcing them to be the same is why nonprofit bookkeeping breaks. Flow tracks all three on every transaction so you can answer any question any stakeholder asks.

💰

Fund

The money source and its donor restrictions. Every transaction knows which fund it belongs to and the real-time balance updates automatically.

HHS Workforce Grant · Smith Family Endowment · General Operating
990: Part X net asset classification
🎯

Program

The mission activity being carried out. Separate from which fund pays for it. A single grant can fund multiple programs simultaneously.

Job Training · Youth Literacy · Housing Navigation · Food Pantry
990: Part III & Part IX functional expenses
📅

Project

A time-limited initiative that may draw from multiple funds and span multiple programs. Tracks budget vs. actual across all sources.

Summer Intensive 2026 · Capital Campaign · Annual Gala
Grantor & board project reports
The biggest bookkeeping bottleneck -- solved

One deposit.
Four gifts.
All tracked correctly.

A $10,000 Stripe deposit lands in your bank. Inside it are a $6,200 restricted gift from a major donor, a $2,800 unrestricted gift, a $950 foundation grant, and a $50 online donation. One crosses Schedule B. Two are restricted. All four have different fund assignments.

Flow detects the batch, prompts you to split it, checks cumulative giving per donor for Schedule B, assigns funds and restriction types, and creates all journal entries simultaneously. What used to take an hour takes three minutes.

🏦
Bank Feed Import
CSV from any bank. Stripe, PayPal, Square, and DonorBox batch deposits are auto-detected and flagged for splitting.
✂️
Split & Tag
Assign donor, fund, restriction type, and acknowledgment requirement to each individual gift in the batch.
📋
Schedule B Monitoring
Cumulative giving tracked per donor. The moment a donor crosses the $5,000 threshold, Flow flags them automatically.
Part IX solved at the transaction level

Functional expenses
that are always accurate.

Most nonprofit bookkeepers allocate expenses across Program, Management & General, and Fundraising at year end using a spreadsheet and estimates. Auditors challenge it. Watchdog groups score your organization on it. Grantors read it.

In Flow, every transaction carries its functional allocation at the moment of entry. Set a default split per COA account or per employee -- 80/15/5 for program staff salaries, for example. It pre-fills automatically and can be overridden on any individual transaction. At year end Part IX is already done.

Account Default — 7030 Program Staff Salaries
80% Program 15% Mgmt 5% Fundraising
Pre-fills automatically on every transaction using this account. Override on any individual entry.
Year-End Result — Part IX auto-populated
Program Services$182,400
Management & General$34,200
Fundraising$11,400
Populated from transaction data. No spreadsheet required.
Build roadmap

What’s coming when.

Flow is being built module by module. Book990 is live today and handles 990 filing. Flow extends it with the full bookkeeping system.

Live Now

Book990 — 990 Filing

All 18 sections, compliance checker, Schedule B, client portal, preparer tools. Available at app.bookbalance.io today.

Live Now

Uniform Nonprofit COA

187 accounts, all mapped to 990 lines. Sub-accounts roll up automatically. The foundation everything else builds on.

Building Now

Transaction Entry Engine

Revenue and expense entry with fund, program, project, and functional allocation tagging. Batch deposit splitting. Bank CSV import.

Building Now

Fund Ledger & Dashboard

Real-time restricted and unrestricted fund balances. Burn rate tracking. Overspend flags. Auto-mapped to Part X.

Q3 2026

AR / AP & Accrual Basis

Grant receivables, pledge receivables, vendor payables, and deferred revenue for conditional grants.

Q3 2026

Reporting Layer

Statement of Activities, Statement of Financial Position, fund reports, grantor reports, and board dashboards.

Q4 2026

Month-End & Year-End Close

Guided 10-stage month-end close and 12-stage year-end workflow. Every module connected. Board review via client portal.

Q4 2026

Full Flow Launch

Complete nonprofit financial management system. Start your fiscal year 2027 on a system where the 990 files itself.

Start fiscal year 2027
on a system where the 990 files itself.

Join the waitlist for early access to Flow. Waitlist members get priority onboarding and founding-member pricing when we launch Q4 2026.

No spam. One email when we launch.